************* CALIFORNIA *************** (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.250 | 3.625 | 3.000 | 3.125 | 3.375 |
>$424K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 |
Jumbo | 4.125 | 3.625 | 4.375 | ------ | 3.500 | 3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 |
>$424K | 4.250 | 3.750 | 4.250 | ------ | 3.625 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.806 | 3.098 | 3.562 | 2.965 | 3.034 | 3.274 |
|
>$424K | 4.000 | 3.250 | 3.750 | 3.000 | 3.250 | 3.500 |
APR | 4.010 | 3.239 | 3.794 | 3.113 | 3.295 | 3.528 |
|
Jumbo | 4.000 | 3.500 | 4.250 | ------ | 3.250 | 3.375 |
APR | 4.034 | 3.545 | 4.272 | ------ | 3.290 | 3.408 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.182 | 3.544 | 3.989 | 3.492 | 3.657 | 3.907 |
|
************* MARYLAND *************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.250 | 3.625 | 3.000 | 3.125 | 3.375 |
>$424K | 4.125 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 |
>$424K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.777 | 3.048 | 3.520 | 2.879 | 3.006 | 3.247 |
|
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 4.010 | 3.606 | 4.237 | ------ | 3.266 | 3.384 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.153 | 3.494 | 3.946 | 3.419 | 3.628 | 3.878 |
|
************ VIRGINIA ************** (Based on Conforming Loan $380K, High-Balance Loan $550K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 |
>$424K | 4.375 | 4.000 | 4.500 | ------ | 3.625 | 3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.750 | 3.250 | 3.750 | 3.750 |
>$424K | 4.375 | 4.125 | 4.500 | ------ | 3.750 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.771 | 3.054 | 3.517 | 2.889 | 3.010 | 3.250 |
|
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 4.012 | 3.611 | 4.241 | ------ | 3.269 | 3.386 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.875 |
APR | 4.146 | 3.500 | 3.913 | 3.428 | 3.632 | 3.882 |
|
*********** TEXAS ************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 |
>$424K | 4.375 | 4.000 | 4.500 | ------ | 3.625 | 3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 4.875 | 4.500 |
>$424K | 4.375 | 4.125 | 4.500 | ------ | 3.750 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.775 | 3.063 | 3.547 | 2.910 | 3.034 | 3.268 |
|
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 4.008 | 3.607 | 4.241 | ------ | 3.265 | 3.382 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.151 | 3.475 | 3.974 | 3.440 | 3.672 | 3.923 |
|
*********** FLORIDA ************ (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.950 | 3.375 | 4.875 | 4.500 |
>$424K | 4.500 | 4.500 | 4.750 | ------ | 4.000 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.250 | 3.500 | 3.950 | 3.500 | ------ | ------ |
>$424K | 4.625 | 4.500 | 4.750 | ------ | 4.125 | 4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.784 | 3.078 | 3.546 | 2.961 | 3.033 | 3.273 |
|
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 4.013 | 3.611 | 4.241 | ------ | 3.269 | 3.387 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.160 | 3.524 | 3.998 | 3.463 | 3.673 | 3.924 |
|
************ GEORGIA ************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.875 | 3.250 | 3.750 | 3.750 |
>$424K | 4.375 | 4.000 | 4.500 | ------ | 3.750 | 3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.950 | 3.375 | 4.000 | 4.000 |
>$424K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.799 | 3.104 | 3.585 | 2.985 | 3.047 | 3.288 |
|
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 4.018 | 3.622 | 4.249 | ------ | 3.275 | 3.392 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.875 |
APR | 4.175 | 3.551 | 4.013 | 3.501 | 3.687 | 3.938 |
|
*********** WASHINGTON ************* (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.875 | 3.250 | 3.625 | 3.000 | 3.125 | 3.375 |
>$424K | 4.125 | 3.750 | 4.375 | ------ | 3.500 | 3.625 |
Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.375 | 3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 |
>$424K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.777 | 3.047 | 3.511 | 2.870 | 3.006 | 3.246 |
|
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.250 | 3.375 |
APR | 4.009 | 3.605 | 4.237 | ------ | 3.266 | 3.383 |
|
Jumbo | 4.000 | 3.500 | 4.250 | ------ | 3.250 | 3.375 |
APR | 3.984 | 3.493 | 4.231 | ------ | 3.241 | 3.359 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.875 | 3.375 | 3.625 | 3.875 |
APR | 4.152 | 3.493 | 3.907 | 3.417 | 3.628 | 3.878 |